The Best Visa Credit Cards of 2023

The Visa network is widely popular for its extensive card offerings and numerous benefits, including auto rental collision damage waiver, fraud protection, and purchase protections. When selecting a credit card, consider factors like cash-back rewards, low interest rates, no foreign transaction fees, and exclusive discounts at select retailers or restaurants.

Some of the best Visa credit cards stand out due to unique features, providing overall value and convenience for customers, whether they need an all-purpose spending vehicle or specialized rewards. Our list of top Visa credit cards comes from analyzing a broad range of options, taking into account various issuers and their star ratings in different categories like rewards, travel, and 0% APR cards.

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card offers an excellent introductory APR deal on purchases and balance transfers. No annual fee makes it even more appealing for financing big-ticket purchases or consolidating debt from high-interest cards. There are no rewards, welcome bonuses, or cash back associated with the card. However, it does provide other benefits like cell phone protection, zero liability protection, and access to Wells Fargo Deals.

One of the main highlights of the Wells Fargo Reflect® Card is the extraordinary 0% intro APR for 21 months on both purchases and balance transfers made within the first 120 days. Afterward, a variable APR of 17.99%, 24.49%, or 29.74% applies. The card does have foreign transaction fees of 3% and a balance transfer fee of 5% with a minimum of $5. Overall, it’s a powerful tool for managing debt and making substantial purchases without incurring interest charges for an extended period.

Capital One Venture X Rewards Credit Card


The Capital One Venture X Rewards Credit Card is a premium Visa travel card. It comes with a more affordable price compared to many competitors. The card offers generous rewards and flexible redemption options. Cardholders can get up to $300 annual travel statement credit on bookings via Capital One Travel. These features make it one of the top travel credit cards in the market.

The annual fee for the Capital One Venture X is $395. Regarding rewards, you can earn 2 miles per $1 on purchases. For flights booked through Capital One Travel, you earn 5 miles per $1. And for hotels and rental cars booked via Capital One Travel, it’s 10 miles per $1.

As a welcome bonus, you can earn 75,000 miles by spending $4,000 on purchases within the first three months of account opening. The card doesn’t charge foreign transaction fees, which is a significant advantage.

Apart from the rewards and bonuses, the Capital One Venture X offers other benefits. For a lower annual fee, it provides excellent value compared to other premium travel rewards cards. Cardholders also get a 10,000-mile card ownership anniversary bonus.

Additionally, there’s an up to $300 annual statement credit reimbursement for travel bookings made through Capital One Travel. Cardholders can enjoy an up to $100 Global Entry or TSA PreCheck application reimbursement credit. Plus, they get access to airport lounges for a more comfortable travel experience.

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Chase Sapphire Reserve

Chase Sapphire Reserve® is a top choice for frequent travelers with best-in-class rewards and luxurious perks. Non-travelers may find it less useful due to its heavy travel focus. The card comes with an annual fee of $550, plus $75 per authorized user.

The rewards system offers 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Ultimate Rewards® after spending $300 on travel annually. Additionally, you can earn 3 points per $1 on other travel and dining, and 1 point per $1 on all other purchases.

New cardholders can earn 60,000 points as a welcome bonus after spending $4,000 on purchases within the first three months of account opening. There are no foreign transaction fees, making it suitable for international use.

The Chase Sapphire Reserve® also provides various benefits such as up to $100 credit for Global Entry, TSA PreCheck, or NEXUS, Visa Infinite Concierge, trip cancellation and interruption insurance, lost luggage reimbursement, and more. The $550 annual fee is offset by a $300 travel credit, making it a valuable deal for frequent travelers.

Chase Freedom Unlimited® card

Moving on to the Chase Freedom Unlimited® card, it offers attractive rewards on dining and drugstore purchases without charging an annual fee. The card provides 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on eligible dining and drugstore purchases, and 1.5% cash back on all other purchases.

New cardholders can enjoy a unique welcome bonus, earning 1.5% back on everything bought in the first year, up to $300, based on spending up to $20,000.

With a 3% foreign transaction fee, it’s not the best option for international use. However, the Chase Freedom Unlimited® card comes with valuable benefits such as extended warranty protection, trip cancellation/interruption insurance, cellphone protection, and auto rental collision damage waiver.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card falls into the mid-priced travel card category, offering high-value benefits at a reasonable $95 annual fee. Its rewards program includes 5 points per $1 on travel purchased through Chase Ultimate Rewards®, 3 points per $1 on dining and select streaming services, 2 points per $1 on all other travel purchases, and 1 point per $1 on other purchases.

Like the Sapphire Reserve, new cardholders can earn 60,000 points as a welcome bonus after spending $4,000 on purchases within the first three months.

The card doesn’t charge foreign transaction fees, making it suitable for international travelers. The Sapphire Preferred also offers benefits such as a $50 annual Ultimate Rewards hotel credit and various travel protection perks.

United℠ Explorer Card

United℠ Explorer Card, a Visa card designed to earn airline miles and travel perks with United Airlines. It offers rewards such as 2 miles per $1 on dining, eligible delivery services, hotel stays, and United purchases, and 1 mile per $1 on all other purchases.

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New cardholders can earn 60,000 miles as a welcome bonus after spending $3,000 on purchases in the first three months of account opening. The card comes with no foreign transaction fees, making it travel-friendly.

Benefits of the United℠ Explorer Card include a free first checked bag when flying United, statement credits for Global Entry/TSA Precheck/NEXUS, priority boarding, and two, one-time United Club passes annually. It also provides access to Chase’s Luxury Hotel & Resort Collection and exclusive events through the MileagePlus program, as well as a complimentary DoorDash DashPass membership for one year.

Wells Fargo Active Cash® Card 

The Wells Fargo Active Cash® Card offers flat-rate cashback rewards. It includes an intro APR offer and a cellphone protection benefit. There’s no annual fee, and you get unlimited 2% cash rewards on purchases. As a welcome bonus, you can earn $200 cash rewards after spending $500 in the first three months. Foreign transaction fees are charged at 3%.

The card has limited benefits, but it does offer cellphone protection for users paying their phone bills with the card. Cardholders can access Credit Close-Up for ongoing credit monitoring and receive monthly FICO Score updates. Although the card lacks a comprehensive suite of benefits, the cash-back rewards have various redemption options and no expiration date.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card comes with no annual fee and rewards for commuters. It offers various benefits to ease your travel and an extensive range of reward categories.

The card has a $0 annual fee and allows you to earn 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services, and phone plans. For other purchases, you get 1 point per $1.

Upon spending $1,000 in purchases during the first three months of account opening, you earn a welcome bonus of 20,000 points. There are no foreign transaction fees associated with this card.

While the Wells Fargo Autograph Card caters to commuters with its rewards program, it has a relatively short list of additional benefits. Travel perks include emergency services assistance, auto rental collision damage waiver, emergency cash disbursement, and card replacement services.

Cardholders can also enjoy 24/7 concierge service and access to the Visa Signature Luxury Hotel Collection. Furthermore, paying your phone bill with the Autograph Card provides cellphone protection, and the card offers zero liability protection for unauthorized purchases.

Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card provides a versatile Visa card. It offers cash-back rewards, letting you choose your own adventure. The card has extended introductory APR periods for purchases and balance transfers. However, it lacks significant benefits beyond standard Bank of America conveniences.

You won’t be charged an annual fee. The rewards structure includes 3% cash back in a category of your choice. Additionally, you’ll earn 2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined quarterly purchases. For all other purchases, you’ll get 1% cash back.

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As a welcome bonus, you can earn $200 cash rewards by spending $1,000 on purchases within the first 90 days of opening your account. When using the card for foreign transactions, there is a 3% fee.

Some other features include $0 fraud liability and access to your FICO Score when you opt-in. Through the Preferred Rewards program, you can also earn up to a 75% bonus on rewards.

What is a payment network and how does it work?

A payment network connects entities involved in a transaction, enabling secure payments for goods or services. It communicates banking details, amounts, and more.

Financial institutions like Visa and Mastercard operate payment networks for in-person and online transactions. These networks employ technologies like encryption and authentication to ensure security.

When making a purchase with a card or digital wallet, the vendor receives account information from the user’s card or phone. The vendor’s payment processor then uses this information to authenticate the request through the payment network.

Once approved by the payment network, the purchase is completed within seconds. Throughout the transaction, various institutions collect fees. Vendors are usually charged a transaction fee by the payment processor, ranging from 1.5% to 3.5%.

Vendors often pass this fee to consumers through increased service or goods costs. Sometimes, the vendor directly charges the fee to the consumer for using a credit card. The payment processor takes a cut of this fee.

Additionally, other financial institutions involved, such as the payment network and card issuer, also take a portion of the processing fee.

What is a credit card issuer?

A credit card issuer is a financial institution offering credit cards to consumers. They collaborate with payment networks like Visa and Mastercard to provide network-enabled cards. These issuers approve credit card applications and set credit limits for cardholders. They also handle the money involved in transactions.

Common credit card networks


The most common payment networks are Visa and Mastercard, accepted globally. They offer various credit cards with different features and rewards.

These credit cards are widely used for online purchases and international travel. Besides Visa and Mastercard, other major networks are Discover and American Express. Discover and American Express function as both payment networks and card issuers. They also provide a range of credit card options to consumers.

How to get a Visa credit card

To get a Visa credit card, apply through a bank or credit union—not directly from Visa. Provide personal details like name, address, income, and a valid ID. Once approved, the card arrives by mail in 5 to 10 business days. Alternatively, some issuers offer instant-use digital wallet cards.

Comparing Visa credit cards

Before choosing a Visa credit card, know that rewards, benefits, and fees vary among cards. Visa cards are widely accepted, but don’t reveal specific card offers. Compare interest rates, fees, rewards, and benefits between issuers and cards. Read terms and conditions to fully understand your responsibilities and interest charges.

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